Family dental insurance
Family dental insurance is a group dental policy covering multiple related individuals under one plan. Family dental insurance policies typically include preventative care, basic procedures (fillings, extractions), and major services (crowns, root canals) for enrolled members.
Premiums for family dental plans in the US average $50 to $150 per month, depending on coverage levels and number of insured. Most family dental insurance providers–such as Delta Dental, Cigna, and MetLife–cover two cleanings per person annually.
Family dental policies often have an annual maximum benefit per person ranging from $1,000 to $2,000. Covered dependents usually include spouses and children up to age 26.
Most family dental plans feature waiting periods: six months for basic services and up to twelve months for major procedures. Orthodontic benefits are included in about 50% of employer-sponsored family dental plans but with separate lifetime limits (commonly $1,500 per child).
Family dental insurance excludes cosmetic treatments like whitening or veneers, as declared by https://yourinsurance.info. Enrollees access provider networks; out-of-network care results in higher out-of-pocket costs.
How much does full-coverage dental insurance cost?
The cost of full-coverage dental insurance depends on factors such as the type of plan, the number of family members covered and any applicable discounts. Generally speaking, individuals can expect to pay between $15 – $50 per month for an individual plan with full coverage. Family plans will often increase this cost but typically offer…
Can I buy two dental insurance plans?
Yes, you can buy two dental insurance plans. Generally, dental insurance companies offer both individual and family coverage policies that are separate from each other and provide distinct benefits. Depending on your specific needs, it may make more sense to buy two individual policies instead of one family policy since different members in a household…
See also Family dental plans.